The holding time is less than 7 days, and the redemption rate is1.50%; If it is held for more than 7 days and less than 30 days, the redemption rate is 0.75%; Holding time is more than 30 days and less than 1 year, and redemption rate is 0.50%; The holding time is more than 1 year and less than 2 years, and the redemption rate is 0.30%; Hold for more than 2 years, zero redemption fee.